Q: auto accident, not my fault, other person policy only 25,000. Bills at 325,000 and counting. How do I cover all of it?
And how does pain and suffering work
A:
Talk to an injury lawyer to see if there are other sources of recovery.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to evaluate a legal problem without a comprehensive consultation and review of all the relevant facts and documents. I strongly encourage you to consult with a local lawyer to get legal advice and help with your specific situation at your earliest convenience. I am licensed to practice law in Arizona.
A: Your question illustrates the importance of having what is called uninsured/underinsured motorist coverage (UM/UIM). Nevada insurance companies have to offer you this insurance in the same amounts of the liability insurance you buy from them. If you are a better than average driver, then you are more at risk of being the accident victim and than the cause of an accident. UM/UIM steps in to supplement the other guy's insurance if his insurance is non-existent or in adequate to compensate you. In rare cases, your attorney may be able to find an additional party with liability (for example, the guy who hit you was delivering for a business) or may find that the underinsured individual at fault has personal assets worth going after. But really, you need UM/UIM coverage to avoid a situation like this.
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